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Generally your own car insurance policy will not extend to a U-Haul, Ryder, Penske or other type of truck you rent to move your belongings or to a rented trailer. However, if you have collision and comprehensive on the vehicle on the trailer, it should cover the car if it's damaged during transport.A personal auto insurance policy gives coverage to passenger vehicles, such as your own vehicle, and many times to a rental car, but not to commercial vehicles or rented trucks.f you are towing the trailer with a vehicle that you don't own, then car insurance coverage usually won't extend to that non-owned trailer. Policies do vary. So, review your policy and then speak to your insurance agent if you need clarification on if there is any coverage extended in your specific situation.
If you have a large hauler (can transport 8 to 10 vehicles with a semi-truck), you likely will need $250,000 to $500,000 in coverage at minimum. If the value of your business is greater than that, you probably should consider more coverage to protect your business assets from any potential liability lawsuits.ou may be seeking some answers about insuring your car hauler, and you may want to find better coverage or a better rate on the insurance you already own. Either way, getting more knowledge about this product will help you find the insurance you need at a price that makes sense for your budget.